# gotyme.co.za
> Enjoy a free bank account and the best savings rate in South Africa - 10% interest rate with GoalSave - GoTyme Bank South Africa.

## Services
- [Contact Us | Customer Care | Lost Card & Fraud](https://gotyme.co.za/personal/service/contact-us): Contact us If you’re an existing GoTyme Bank customer and have a banking product or service query. Report your lost or stolen bank card and unresolved complaints.
- [Find a Kiosk | Locate Your Nearest Kiosk in SA](https://gotyme.co.za/personal/service/kiosk-locator): Find your nearest GoTyme Bank kiosk at a retail store near you. Open a bank account, collect your card or speak to a GoTyme Bank ambassador.
- [Free Platforms for SA Entrepreneurs](https://gotyme.co.za/business/media/finformation-landing/where-can-south-african-small-business-owners-list-and-promote-their-services-to-other-entrepreneurs-for-free): Discover where you can list and promote your business services for free and how joining our Flex for Business community connects you with peers.
- [Send Cash and Withdraw on your Mobile](https://gotyme.co.za/personal/media/money-skills-landing/send-cash-and-withdraw-on-your-mobile-with-gotyme-bank-sendmoney-services): Discover instant money transfers with GoTyme Bank SendMoney services. Send cash securely using GoTyme Bank's cellphone banking app anywhere in South Africa.
- [Value Added Services](https://gotyme.co.za/personal/shop/vas): Buy airtime, purchase data, electricity, vouchers and play lotto online with GoTyme Bank'a Value Added Services. Enjoy safe & convenient cellphone banking services.
- [TymeBank Launches Financial Literacy SMS Service](https://gotyme.co.za/personal/media/newsroom-landing/tymebank-launches-new-conversational-education-service-to-support-customers-during-covid-19): TymeBank | One of the World's Best Banks | GoTyme Bank
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/value-added-services-vas/playing-lotto-powerball-with-vas): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/current-account/current-account-general-information/account-services-proofs): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/current-account/current-account-general-information/account-services-proofs/how-quickly-money-arrives): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/current-account/current-account-general-information/account-services-proofs/limits-on-adding-funds-r5000-day): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/current-account/current-account-general-information/account-services-proofs/proof-of-banking-letter): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/current-account/current-account-general-information/account-services-proofs/proof-of-payment): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/current-account/current-account-general-information/account-services-proofs/what-happens-if-exceeding-maximum-balance): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/current-account/current-account-general-information/account-services-proofs/will-i-be-able-to-use-the-card-for-any-google-apple-or-samsung-pay): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/kiosks/kiosks-operations/service-at-a-kiosk): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.

## Products
- [Get Apple Pay Today](https://gotyme.co.za/personal/shop/mobile-wallets/apple-pay): Get Apple Pay today with GoTyme Bank. Enjoy secure, seamless payments online or in person using your iPhone or Apple Watch. Start now!
- [Virtual Card for Safe Online Payments](https://gotyme.co.za/personal/shop/mobile-wallets/virtual-card): GoTyme Virtual Card is available for free through the GoTyme Bank App. Create your own card for fast, safe and secure online payments or QR purchases.
- [MoreTyme](https://gotyme.co.za/personal/shop/moretyme): Experience flexible shopping with MoreTyme by GoTyme Bank. Split purchases into 3 interest-free payments. Enjoy seamless transactions with no hidden costs.
- [GoTyme Bank Debit Card](https://gotyme.co.za/personal/shop/payments/debit-card): Open your GoTyme Bank Current Account in minutes. Enjoy no monthly fees, instant payments, and smart features. Experience seamless digital banking.
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/ikhokha/products-solutions): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/ikhokha/products-solutions/ikhoka-availability): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/ikhokha/products-solutions/product-offerings): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/ikhokha/products-solutions/rates-pricing): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.
- [GoTyme Bank Support](https://gotyme.co.za/personal/help/help-and-support-landing/moretyme/moretyme-payments/collection-dates): Find answers for GoTyme Bank services like Virtual Cards, GoalSave, and SASSA Grants. Explore our support hub for device management and payments.

## Documentation
- [GoTyme Bank FAQs](https://gotyme.co.za/personal/help/faqs): Explore GoTyme Bank FAQs. Learn about changing your mobile number, resetting PINs, checking balances and protecting your personal information.
- [Protect Your Bank Account from Scams](https://gotyme.co.za/business/security-landing/security-list/how-to-protect-your-bank-account-from-scams-and-fraud): Discover essential tips to safeguard your bank account from scams. Trust your instincts, verify sources, and secure your personal information with GoTyme Bank.
- [How to Protect Against Banking Fraud](https://gotyme.co.za/business/security-landing/security-list/how-to-protect-yourself-from-banking-fraud-and-scams): Learn to spot fake bank employees and avoid scams. Protect your account with tips from GoTyme Bank. Stay safe and secure with our guidance.
- [Protect Your Phone from Hacking & Fraud](https://gotyme.co.za/business/security-landing/security-list/how-to-protect-yourself-from-phone-hacking-and-fraudsters): Learn effective strategies to safeguard your mobile device from hackers and fraudsters. Keep your personal data secure while enjoying your phone's features.
- [Protect Yourself From Scams This Festive Season](https://gotyme.co.za/business/security-landing/security-list/how-to-protect-yourself-from-scams-this-festive-season): Stay safe from festive scams with GoTyme Bank's guide. Learn to spot fake stores, ads, and loan notices. Follow our tips to protect your money and data.
- [How to Build an Emergency Fund](https://gotyme.co.za/personal/media/money-skills-landing/how-to-build-an-emergency-fund-with-gotyme-bank): Secure your future with GoTyme Bank's Fixed Deposit. Learn to build an emergency fund with practical steps and high-interest savings options.
- [Make Your Bonus Work Harder with a Fixed Deposit](https://gotyme.co.za/personal/media/money-skills-landing/how-to-make-your-mid-year-bonus-work-harder-for-you-in-2025): Got a mid-year bonus? Discover how to make it go further with GoTyme’s high-interest Fixed Deposit Account. Start saving smart and building your future today.
- [Savings on Money for Monthly Grocery Shopping](https://gotyme.co.za/personal/media/money-skills-landing/how-to-save-money-on-monthly-groceries-with-gotyme-bank): Maximise your savings and learn how to save money on groceries each month with GoTyme Bank. Use GoalSave, Everyday Account, and smart shopping tips.
- [GoalSave Calculator for Savings Fixed Interest](https://gotyme.co.za/personal/media/money-skills-landing/how-to-use-a-goalsave-calculator-for-personal-savings): The GoalSave Calculator from GoTyme Bank lets you work out how much you need to save to reach your savings goal & the possible future value of your savings.
- [How to Protect Your Bank Account From Scams](https://gotyme.co.za/personal/security-landing/security-list/how-to-protect-your-bank-account-from-scams-and-fraud): Safeguard your bank account from scams with GoTyme Bank's security tips. Learn how scammers operate and how to protect your personal details.
- [Protect Yourself from Banking Fraud and Scams](https://gotyme.co.za/personal/security-landing/security-list/how-to-protect-yourself-from-banking-fraud-and-scams): Learn how to identify fake bank employees, avoid scams, and protect your banking details from fraudsters. Follow these safety tips to keep your account secure.
- [Protect Against Phone Hacking](https://gotyme.co.za/personal/security-landing/security-list/how-to-protect-yourself-from-phone-hacking-and-fraudsters): Learn to safeguard your phone from hackers and fraudsters. Follow GoTyme Bank's tips to keep your personal info and finances secure.
- [Protect Yourself from Scams This Festive Season](https://gotyme.co.za/personal/security-landing/security-list/how-to-protect-yourself-from-scams-this-festive-season): GoTyme Bank helps you stay safe from holiday scams this festive season. Learn about fake online stores, scam adverts, and loan fraud, plus tips to protect your money.
- [Afford a Second Location](https://gotyme.co.za/business/media/finformation-landing/how-to-determine-if-your-business-can-afford-a-second-location): Discover how to assess if your business can afford a second location. Learn key financial indicators and planning strategies to expand with confidence.
- [Fund Manufacturing Repairs](https://gotyme.co.za/business/media/finformation-landing/how-to-fund-manufacturing-repairs-without-draining-cash-reserves): Discover how to fund manufacturing repairs without draining cash reserves. Explore alternative financing options for your business.

## Blog
- [Glossary of Business Terms](https://gotyme.co.za/business/media/glossary): Explore the GoTyme for Business Glossary to understand key business funding terms. From business loans to cash flow, get simple definitions to guide you through funding solutions like the GoTyme Business Advance.
- [South African Business Stories](https://gotyme.co.za/business/media/stories): Discover inspiring stories of South African entrepreneurs. See how SMEs across the country are overcoming challenges, seizing opportunities and driving growth.
- [Fixed Deposit Account | Apply Now](https://gotyme.co.za/personal/save-and-invest/fixed-deposit): Open a GoTyme Bank Fixed Deposit Account. Save and Invest with the best fixed deposit savings rate in South Africa. Grow your savings at a fixed rate of up to 8.75%.
- [Campaign Terms & Conditions](https://gotyme.co.za/business/campaign-terms-and-conditions): Read the official GoTyme for Business campaign terms and conditions, including competition rules, eligibility criteria, reward redemption and legal disclaimers.
- [GoTyme for Business](https://gotyme.co.za/business/security-landing): Protect your business with GoTyme Bank's security features and fraud prevention tips.
- [GoTyme Bank Monthly Fees](https://gotyme.co.za/personal/bank-account/current-account/fees-and-charges): Thank you for choosing GoTyme Bank. We are committed to providing you with a seamless and rewarding banking experience.
- [Code of Ethics](https://gotyme.co.za/personal/code-of-ethics): Discover our Code of Ethics, a framework ensuring trust and integrity in all stakeholder interactions. Uphold our values for a positive impact in communities.
- [Conflict of Interest Policy for Customer Protection](https://gotyme.co.za/personal/conflict-of-interest-policy): GoTyme Bank is dedicated to managing conflicts of interest effectively. We ensure our customers interests are safeguarded, maintaining trust and compliance.
- [NCR Language Policy | Accessibility & Compliance](https://gotyme.co.za/personal/ncr-language-policy): Read GoTyme's NCR Language Policy, ensuring clear and accessible communication in compliance with regulatory requirements.
- [PAIA Manual | Access to Information](https://gotyme.co.za/personal/paia-manual): Learn how to request information under GoTyme Bank's PAIA Manual, in compliance with the Promotion of Access to Information Act (PAIA).
- [Secure Digital Banking](https://gotyme.co.za/personal/security-landing): Experience a trusted banking service with GoTyme Bank. Enjoy top-tier security features like biometric verification and 24/7 fraud detection.
- [Secure Your Future with a 10% interest Fixed Deposit Account](https://gotyme.co.za/personal/media/newsroom-landing/tymebanks-transaction-charges-continue-to-be-the-lowest-in-the-market): Learn more about GoTyme Bank’s Fixed Deposit Account with South Africa’s Best interest rate and secure the best returns for your Savings today.
- [GoTyme Bank Debit Card](https://gotyme.co.za/personal/bank-account/current-account): Open your GoTyme Bank Current Account in minutes. Enjoy no monthly fees, instant payments, and smart features. Experience seamless digital banking.
- [GrantAdvance](https://gotyme.co.za/personal/credit/grant-advance): Get a SASSA cash advance loan when you get your social grant paid through GoTyme Bank. Access your social grant in advance and pay back with no interest or fees.
- [Send Money Easily With GoTyme Bank Vouchers](https://gotyme.co.za/personal/move-money/send-money-vouchers): Transfer cash instantly via SendMoney Vouchers. Use just a phone number to send up to R5,000. Enjoy fast, secure transactions with no hidden fees.

## Frequently Asked Questions
- Why did you change?: Because we're growing with you. Our new look reflects the balance of trust and beauty we want you to feel every time you use GoTyme Bank.
- What's changed?: Our colours, cards, kiosks, fonts, and app design. You'll notice more vibrancy, more simplicity, and a design that feels premium but accessible.
- Does this change how I bank?: We've made changes to our features to provide you with more seamless and secure banking. But your account information and balance remain the same. Expect more app features to help you manage your money.
- Can I still use my old card?: Yes. As long as it has not expired, your card will continue to work as normal until you choose to upgrade to the new design.
- Where did the inspiration come from?: From you. From the places we call home, and from the belief that premium banking can be simple, beautiful and accessible for all.
- Is this just a rebrand?: It's more than that, see it as more of an upgrade. A promise of what we're building: a transformative retail bank for the world.
- Can I still use internet banking?: To make your banking as convenient and secure as possible, we're moving all your account management into the GoTyme Bank app and kiosks. However, if you already have an active internet banking profile (you've logged in within the last 90 days), you can still access internet banking here.
- Do you fund startups?: We fund businesses that have been operating for at least 6 months, with 3-6 month continuous turnover of R50k+ per month.
- What is unsecured funding?: Unsecured funding means you can access capital without putting up any collateral - no assets needed! With a GoTyme Business Advance, you'll receive a cash lump sum paid directly into your business or nominated bank account. In return, you pay a portion of your future turnover until the balance is settled.
- What are the advantages of unsecured funding?: Unsecured funding means you don't need to put your assets on the line to grow your business. There's no collateral, no complicated paperwork - just a quick, easy application and fast access to finance for your business. Payments are linked to your turnover, which means a quiet month won't put your cash flow at risk. It's flexible, low-stress funding that helps you move forward with confidence.
- What is a cash advance?: A GoTyme Business Advance (cash advance) gives you a lump sum of cash upfront to use in your business - no collateral needed. You pay it back over time through flexible payment options: either a fixed amount or a small percentage of your daily or weekly turnover. It's funding designed to move with your business and match your cash flow.
- How can I use my cash advance?: That's completely up to you! You can use the funds for whatever your business needs - no questions asked. Whether it's stock, equipment, renovations or marketing, there are no restrictions. It's your call, your growth, your way.
- How much funding do I qualify for?: The quickest way to find out is to submit a no-obligation online application - it only takes a few minutes. Alternatively, you can book a call with one of our experienced funding specialists who'll guide you through the process. Want a quick quote? Try our funding calculator.
- How do payments work?: Simply choose a payment plan that suits your business needs! Payments can either be a fixed amount or an agreed percentage of your turnover. These can be paid daily, weekly or monthly until the total is collected. As our payment solutions are designed around your business operations, you don't need to worry about missing payment deadlines.
- Who qualifies for funding?: Businesses with at least 6 months of ownership, a minimum of 3 months trading history and a monthly turnover above R50,000 are eligible to apply. It's a simple, straightforward way to unlock the funding you need to grow.
- Does my credit score matter?: Your credit score is an important part of our application process along with other criteria such as ownership, history and turnover.
- How do I apply for funding?: Applying is quick and easy. You can complete an online application in just a few minutes, book a call with one of our experienced funding specialists, or simply give us a ring on 0861 17 17 17 - we're here to support you every step of the way.
- How long does a funding application take?: It only takes a few minutes to apply online. Prefer a personal touch? Book a call and one of our funding specialists will get back to you within 24 hours.
- When will I have access to the funds?: If approved, the funds will be accessible on the same day as approval. Your bank may delay the funding process dependent on their payment approval times. The sooner you apply, the sooner you will have access to the funds your business needs.
- Can I pay back the advance early?: Absolutely. You can settle your advance in full at any time - with no early settlement fees. In fact, you may even qualify for a discount when you choose to pay early.

## About
- [About Us | Empowering Mzansi with Simple Banking](https://gotyme.co.za/personal/about-us): Discover GoTyme Bank's mission to empower South Africans with simple, transparent, and affordable digital banking. Bank where you shop with GoTyme Bank kiosks nationwide.
- [GoTyme for Business](https://gotyme.co.za/business/about): Discover GoTyme for Business, your partner for fast, affordable funding, business community and seamless payments. Join a connected community of Mzansi entrepreneurs and grow with confidence.

## Policies
- [GoTyme Bank Terms and Conditions](https://gotyme.co.za/personal/legal-terms-and-conditions): Understand GoTyme Bank’s terms, from opening an account to fees, security and your responsibilities. Clear, transparent banking.
- [Competition Terms & Conditions](https://gotyme.co.za/personal/terms-and-conditions-for-campaigns): View the terms and conditions for GoTyme Bank competitions and promotions, including eligibility, rules and participation details.
- [Cookie Policy | How We Use Cookies](https://gotyme.co.za/personal/cookie-policy): Our Cookie Policy ensures a better service on our website and app, enabling targeted advertising and improved user experience tailored to your needs.

## Contact
- [Contact GoTyme for Business](https://gotyme.co.za/business/contact): Have a question about our business funding solutions? Contact GoTyme for Business today. Our team is ready to provide the support you need.

- Phone: +27860 999 119
- Address: Ground Floor, 30 Jellicoe Avenue, Rosebank, Gauteng, 2196, ZA